Personal Regular Certificate of Deposit Account**

     Term

(Fixed Rate)

Minimum to Open

$1,000

- $49,999
Rate / APY

$50,000 -

$89,999
Rate / APY

$90,000 - $199,999
Rate / APY

$200,000 - $499,999
Rate / APY

> =
$500,000
Rate / APY

1 Month

$1,000

0.15% / 0.15%

0.15% / 0.15%

0.20% / 0.20%

0.20% / 0.20%

0.15% / 0.15%

3 Months

$1,000

0.20% / 0.20%

0.25% / 0.25%

0.30% / 0.30%

 0.30% / 0.30% 

0.25% / 0.25%

6 Months

$1,000

0.20% / 0.20%

0.25% / 0.25%

0.30% / 0.30%

 0.30% / 0.30%

0.25% / 0.25% 

12 Months

$1,000

0.30% / 0.30%

0.35% / 0.35%

0.40% / 0.40%

 0.40% / 0.40%

0.35% / 0.35% 

18 Months

$1,000

0.30% / 0.30%

0.35% / 0.35%

0.40% / 0.40%

  0.40% / 0.40%

0.35% / 0.35% 

2 Years

$1,000

0.30% / 0.30%

0.35% / 0.35%

0.40% / 0.40%

 0.40% / 0.40%

0.35% / 0.35% 

3 Years

$1,000

0.30% / 0.30%

0.35% / 0.35%

0.40% / 0.40%

0.40% / 0.40%

0.35% / 0.35%

4 Years

$1,000

0.35% / 0.35% 

0.40% / 0.40%

0.45% / 0.45%

0.45% / 0.45%

0.40% / 0.40%

5 Years

$1,000

0.35% / 0.35% 

0.40% / 0.40%

0.45% / 0.45%

0.45% / 0.45%

0.40% / 0.40%

 

 

Personal Flex Certificate of Deposit Account**

 

    Term

Min/Max

Rate

APY

    12 Months

$5,000 / $250,000

0.25%

0.25%

    18 Months

$5,000 / $250,000

0.25%

0.25%

*The disclosed interest rates and Annual Percentage Yields (APYs) are accurate as of 06/01/2023. The account is a variable rate account. We may at our discretion change rates at any time without notice. The minimum balance required to open a Reserve Checking is $500. Fees could reduce earnings on the account.

**The disclosed interest rates and Annual Percentage Yields (APYs) are accurate as of 06/01/2023. The rate will not be changed for the term of the account. Fees could reduce earnings on the account. A penalty may be imposed for early withdrawal before maturity.